Insurance built for property preservationists
General liability, professional liability (E&O), and cyber liability — for winterizing, lawn maintenance, handyman work, and inspections on vacant and bank-owned properties.
Also serving mortgage field inspectors — see our field inspector page.
How it works
From “tell us about your work” to a quote in just a few minutes.
Tell us about your work
Preservation, field inspections, or both — and the properties you cover.
Pick your coverage
General liability, professional liability (E&O), and/or cyber liability.
Review your quote
We line up the details and someone follows up to help.
Connect and bind
Someone helps you finish the paperwork and get covered.
The work you do on vacant properties
Winterizing, mowing, repairs, trash-outs, securing, inspecting — the exposures vary by task, and the coverage should fit what you actually do.
Coverage built around your risk
Pick the pieces that fit how you work. Coverage, terms, and availability vary by carrier, state, and individual risk.
General Liability
The foundation — third-party bodily injury and property damage claims while you're on-site at a vacant property.
Professional Liability (E&O)
For claims that an inspection report, work order, or condition report was performed incorrectly or incompletely.
Cyber Liability
Client data, property photos, and inspection reports handled electronically bring digital exposure worth considering.
The tasks we quote around
Tell us what you do on the quote form — the application is shaped around it.
Winterizing
Draining lines, shutting off water, and protecting vacant homes from freeze damage.
Lawn & landscaping
Mowing, trimming, and basic upkeep that keeps a vacant property looking maintained.
Handyman work
Repairs, board-ups, lock changes, and general maintenance on bank-owned homes.
Debris removal
Trash-outs and clean-outs to get a distressed property back to marketable condition.
Field inspections
Drive-by or interior inspections confirming occupancy and condition for mortgage servicers.
Light janitorial
Basic cleaning to prep a vacant unit for showing, sale, or re-occupancy.
Drive-by and interior inspections need coverage too
If you inspect vacant or distressed properties for mortgage servicers and lenders, general liability and professional liability both matter — for very different reasons.
The kinds of situations preservation pros think about
Illustrative examples only — not a promise of coverage. Whether any claim is covered depends on the policy, the facts, the carrier, and your state.
A trip-and-fall during a mow
A neighbor or passerby is injured on the property while you're doing yard work. General liability is the coverage typically associated with third-party bodily injury claims like this.
A report says 'occupied' — it wasn't
An inspection or condition report turns out to be wrong, and the servicer says it cost them money. Professional liability is designed for exactly this kind of claim.
A pipe bursts after a missed shut-off
A winterization job is skipped or done incorrectly, and the property owner alleges damage resulted. This is the kind of scenario preservation contractors think about.
Common questions
What insurance do property preservationists usually carry?
Many preservation contractors start with general liability — it's the coverage most property preservation companies and asset managers require — and consider professional liability (E&O) for the accuracy of inspection and work-order reporting. Cyber liability is worth a look too, since so much of the work is documented and transmitted electronically. The right mix depends on your operation, your state, and the carrier.
Do property preservation companies require insurance?
Frequently, yes. Property preservation companies, asset management companies, and mortgage servicers commonly require vendors and subcontractors to carry general liability — and often ask for a certificate of insurance before work begins.
Can I get insurance if I'm a mortgage field inspector, not a preservationist?
Yes. Mortgage field inspection is a closely related role — drive-by or interior inspections to confirm occupancy and condition — and it carries its own liability and reporting-accuracy exposures. Tell us on the quote form and we'll factor it in.
Is this only for vacant or bank-owned properties?
Property preservation and field inspection work is, by definition, performed on vacant, foreclosed, REO, or bank-owned properties — not occupied family homes. That's the focus of this site.
What if I do both preservation work and field inspections?
That's common. Tell us about all the work you do on the quote form — winterizing, lawn care, handyman work, debris removal, and inspections — and whether you do mortgage field inspection work specifically, so the details are captured accurately.
Ready to protect your preservation business?
Tell us about your work and we'll help you line up the right coverage.
Start my quote →